Just spotted this, I have nothing to do with it, just thought it might be one for you guys, I'm not in the market for one at the moment but it seems ok for the money. Did they have a hand Change wm20 though?
https://www.donedeal.ie/vintagebikes-for-sale/1939-bsa-wm-20/19302770
Irish army had a number of early km20 in service- with panel tanks & it seems hand change - others featured front valenced mudguard too but these two types were in small numbers
Regretfully the replacement reg no shown doesn’t Allow me to identify the frame number & consequently the dispatch date